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The mortgage industry can have a bad reputation at times.

Lets face it, there are people that work in this business that are only looking for a fat paycheck, even if it means that their one client will struggle for years to come.

What is certain is that many people do not know about kickbacks. This is a term in the industry used to describe what a realtor or someone would ask for from a loan officer in exchange for providing them with business. The broker can now charge a higher rate and can manipulate, YOU, the consumer. WE HAVE NEVER PAID OUT A KICKBACK IN EXCHANGE FOR BUSINESS. We want to be noticed and used because of the extreme quality of service to our clients not from a HIGHLY illegal pay off.

We focus on YOU and personally put you in the right loan program regardless of whatever we COULD make. In the beginning we received the majority of our business from repeat investors and previous clients family members. This is because we care about our clients and they trust us in return. So give us a try, you’ll be glad you did!

check out our contacts page.. or links page for links to mortgage calculators, give us a call and we can walk you through it if you need help!!

The ByrdMan


The mortgage crunch has adversely affected your ability to refinance. Yes, people are still refinancing. However, be prepared for change. Credit scores need to be higher, homes need more equity, and you need to show income to qualify for a loan today. There are few exceptions but this is the trend to qualify for a refinance on your home. I have a client who closed on a purchase 6 months ago. He gutted the house and put everything new, from the kitchen and baths to the plumbing and electrical. He fully expected to be able to refinance but was caught by the surprse of change. The loan he qualified for no longer exists. Add to that fact his credit score dropped because he used credit cards to pay for the renovations – which lowered his score from 700 to 630. The moral of the story: consult with your mortgage professional before you plan to refinance, before you renovate. In today’s market more than ever a mortgage professional can advise you of what you need to do to plan your next refinance. You will save money and stay out of trouble.